Debt consolidation Plan

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lodestone

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Sick of my work...feel like quiting...

No mood to carry on my work.

Also ... 70k too much a debt for me to return full.

I feel like n very wanted to declare bankcrupt...

Any bros comment wat should i do???

My monthly pay is $2700 b4 take home.after take home is $2100...

Still own money lender $3000.

Should i declare bankcrupt....

N isit a good idea?

Own dbs... Maybank ...hsbc anz money now as i cant pay them minimum sum.other banks min sum i cleared for this month...i cant pay hsbc dbs maybank anz min sum for now.. Think afew more week will keep calling.

Wat should i do? My wallet now is $300 dollars just enough for eating.not even any money to give my mum.feel like crying but is my fault to rake up such a big debt.

I really dunno wat to do now.
 
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Louis81

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Sick of my work...feel like quiting...

No mood to carry on my work.

Also ... 70k too much a debt for me to return full.

I feel like n very wanted to declare bankcrupt...

Any bros comment wat should i do???

My monthly pay is $2700 b4 take home.after take home is $2100...

Should i declare bankcrupt....

N isit a good idea?

Bro, go CCS first
 

Louis81

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Sick of my work...feel like quiting...

No mood to carry on my work.

Also ... 70k too much a debt for me to return full.

I feel like n very wanted to declare bankcrupt...

Any bros comment wat should i do???

My monthly pay is $2700 b4 take home.after take home is $2100...

Still own money lender $3000.

Should i declare bankcrupt....

N isit a good idea?

Own dbs... Maybank ...hsbc anz money now.cant pay them... Think afew more week will keep calling.

Wat should i do? My wallet now is $300 dollars just enough for eating.not even any money to give my mum.feel like crying but is my fault to rake up such a big debt.

I really dunno wat to do now.

For those bros who have family kids and houses what we are going thru is the toughest moment of our life both mentally and physical. We press on against all odds. So u shld press on.
 

lodestone

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For those bros who have family kids and houses what we are going thru is the toughest moment of our life both mentally and physical. We press on against all odds. So u shld press on.

Is easy to tell others but when it happen to us.. Is really ...

To keep paying bank min sum payment monthly ...i resorted to borrowing from legal money lender.

I make a big mistake... It make me own more...
 

multi

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Sick of my work...feel like quiting...

No mood to carry on my work.

Also ... 70k too much a debt for me to return full.

I feel like n very wanted to declare bankcrupt...

Any bros comment wat should i do???

My monthly pay is $2700 b4 take home.after take home is $2100...

Still own money lender $3000.

Should i declare bankcrupt....

N isit a good idea?

Own dbs... Maybank ...hsbc anz money now as i cant pay them minimum sum.other banks min sum i cleared for this month...i cant pay hsbc dbs maybank anz min sum for now.. Think afew more week will keep calling.

Wat should i do? My wallet now is $300 dollars just enough for eating.not even any money to give my mum.feel like crying but is my fault to rake up such a big debt.

I really dunno wat to do now.
Bro, don't quit your job. There's where the money come from. If you quit, it's the end. Just try your best, don't give up.

Sent from LGE LG-H990 using GAGT
 

Louis81

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Is easy to tell others but when it happen to us.. Is really ...

To keep paying bank min sum payment monthly ...i resorted to borrowing from legal money lender.

I make a big mistake... It make me own more...

Whatever I say is what I am going thru. I have been thru divorce and many downs yet still dont gv up mentally stay strong keep up the will and fight
 

sneggg

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Sick of my work...feel like quiting...

No mood to carry on my work.

Also ... 70k too much a debt for me to return full.

I feel like n very wanted to declare bankcrupt...

Any bros comment wat should i do???

My monthly pay is $2700 b4 take home.after take home is $2100...

Still own money lender $3000.

Should i declare bankcrupt....

N isit a good idea?

Own dbs... Maybank ...hsbc anz money now as i cant pay them minimum sum.other banks min sum i cleared for this month...i cant pay hsbc dbs maybank anz min sum for now.. Think afew more week will keep calling.

Wat should i do? My wallet now is $300 dollars just enough for eating.not even any money to give my mum.feel like crying but is my fault to rake up such a big debt.

I really dunno wat to do now.

Bro approach family members for help.

Need to open up. Family will always help
 

Louis81

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Remember u can u will and u must do it. But first reorg yourself. Mentally relax first.
Trust me u are not alone. Every family got their own problem and sorrows.
 

aang1971

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Sick of my work...feel like quiting...

No mood to carry on my work.

Also ... 70k too much a debt for me to return full.

I feel like n very wanted to declare bankcrupt...

Any bros comment wat should i do???

My monthly pay is $2700 b4 take home.after take home is $2100...

Still own money lender $3000.

Should i declare bankcrupt....

N isit a good idea?

Own dbs... Maybank ...hsbc anz money now as i cant pay them minimum sum.other banks min sum i cleared for this month...i cant pay hsbc dbs maybank anz min sum for now.. Think afew more week will keep calling.

Wat should i do? My wallet now is $300 dollars just enough for eating.not even any money to give my mum.feel like crying but is my fault to rake up such a big debt.

I really dunno wat to do now.

bro, go for credit counseling immediately!

You need help!! You need to get in touch with a support group!!

Please make sure you do so!!

Don't give up!!

Any other bro or sis who got out of debt trap and can offer advise, please tell loadstone.

i am praying he is not suffering from depression

the credit cards are a real silent killer **** the greedy banks!!
 

nuah2002

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Sick of my work...feel like quiting...

No mood to carry on my work.

Also ... 70k too much a debt for me to return full.

I feel like n very wanted to declare bankcrupt...

Any bros comment wat should i do???

My monthly pay is $2700 b4 take home.after take home is $2100...

Still own money lender $3000.

Should i declare bankcrupt....

N isit a good idea?

Own dbs... Maybank ...hsbc anz money now as i cant pay them minimum sum.other banks min sum i cleared for this month...i cant pay hsbc dbs maybank anz min sum for now.. Think afew more week will keep calling.

Wat should i do? My wallet now is $300 dollars just enough for eating.not even any money to give my mum.feel like crying but is my fault to rake up such a big debt.

I really dunno wat to do now.

ya dun quit bro.. unless you secure another job. now that we owe money cannot be picky abt job, not happy also must work on. Dun give up and really, like what others say, try talking to ur mum/family members. even if she cannot help u settle debts, you will feel better if you open up. and approach ccs ba slowly pay? Monetary problems although it is really bad, there is certainly a way out ok jiayou. just dun resort to loanshark etc
 

Carlingford

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Sick of my work...feel like quiting...

No mood to carry on my work.

Also ... 70k too much a debt for me to return full.

I feel like n very wanted to declare bankcrupt...

Any bros comment wat should i do???

My monthly pay is $2700 b4 take home.after take home is $2100...

Still own money lender $3000.

Should i declare bankcrupt....

N isit a good idea?

Own dbs... Maybank ...hsbc anz money now as i cant pay them minimum sum.other banks min sum i cleared for this month...i cant pay hsbc dbs maybank anz min sum for now.. Think afew more week will keep calling.

Wat should i do? My wallet now is $300 dollars just enough for eating.not even any money to give my mum.feel like crying but is my fault to rake up such a big debt.

I really dunno wat to do now.


Bro...everyone here has similar problem (come on let's face it if my financials is not in a rut why would I be loitering around here in this thread) we also no need go around to apply for DCP here, there & everywhere only for their credit departments to just simply dumped our applications into the trash bin.

1st thing is...Don't Quit Your Job ! You need the $$
2nd thing is ... Ask for family help to settle the licensed money lender...I'm sure a 3K is not a problem.
3rd thing is....Seek CCS's help, if you read through the testimonials got a lot of worse off cases than us...those totally gone-fu*k cases..somehow CCS manages to draft up a DMP plan for them to clear their debts (slowly but surely).
 

Crazy12

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Bro,
What was the flat rate interest?

Actually not sure on flat rate. They told me existing customer is 4.22%. Tenure 6-7 years. 10 years is think is 5.07%. Funny figures but ya they told me this. EIR I dunno Liao
 

member8

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just pulled my latest cbs report, the rating has not changed after 2 applications (the record can be seen though), still FF (1772).

the outstanding has been updated to reflect the total as of jan17 (which does not include the RCPL from Citi hence the rejection by HSBC and subsequent review).

just fyi, for those who are applying again - there may be an impact on credit score, there may not be... :s11:

Hi Bro,

My rating has changed from HZ to HZ after the first application.
FYI please
 

Louis81

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Actually not sure on flat rate. They told me existing customer is 4.22%. Tenure 6-7 years. 10 years is think is 5.07%. Funny figures but ya they told me this. EIR I dunno Liao

Wao seh I just sms dcp to BOC. Immediately call me. Ok their rates are reasonable in btw hsbc n citi.
 
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